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This article in the Indy has some interesting views on how Brexit has affected the Uk's response to Covid.
https://www.independent.co.uk/voices/coronavirus-lockdown-government-death-toll-boris-johnson-a9551516.html

Small attachment to an iPhone that cost £288.00.
I know anything that relates to Apple can be very expensive, but what was the attachment ?
Did you return the attachment product in its original packaging ?
How often do you buy products from Amazon ?
How often do you return products to Amazon ?
Could Amazon believe you are buying products to simply try out for a period, with no intention of keeping the products ?

So I make a post and ask you some questions and you then go in and make a response which deals with something completely different and which ignores the questions which I have asked completely.
I don't see how we can move forward on that basis

Thank you.
First of all, this is not chronology so we don't have any sense of the timeline.
It's still rather complicated – but maybe when you produce a chronology it will come more into focus.
However, there are a few things that we can start to tease out.
You say that you accepted £250 in an offer which was intended to reflect distress. Although you say that you accepted this offer mistakenly, it may well be that you have no further rights on this issue because of course it would have been up to you to understand the situation properly before accepting any kind of financial offer.
However, it would be useful to understand the reach of this offer and so please could you post up the offer letter by uploading it in PDF format.
You say that "high-volume messaging" is not explicitly covered in the terms and conditions – but there may be references to "fair use policy" and it may be an interpretive problem rather than looking for words which specifically match your situation. So it will be helpful to know what words Vodafone were relying upon and also what was the extent of your high-volume messaging. Did they give you any warnings.
You say that they referred to terms and conditions which you did not sign. However, it isn't necessary to sign terms and conditions. We would have to understand more about the context – but generally speaking if there is an agreement which refers to terms and conditions from the outset and you then embark upon the agreement and use the services, then all the signs would be that you've accepted the conditions of use. Signed written terms and conditions are generally speaking only required in contracts for property or copyright or shares.
You say that the contract was put in your sole name despite the fact that the company name was on the agreement. We don't have a chronology so we don't see how long this went on for and you don't explain why you didn't raise any objections to this – or maybe you did?
You say that you have sent Vodafone and Lowell an SAR but "so far" you are waiting for a response. This suggests that you sent the SAR some time ago – but you haven't told us anything about when this might have happened.
You are referring to obligations under the Consumer Rights Act but I'm afraid that these obligations refer to contracts between a trader and a consumer – and you are not trading as a consumer so these probably wouldn't apply to you.
Finally, you are worried about expressing a claim in legal language. If you begin a small claim then you certainly don't need any legal language – and in fact that kind of approach simply gets in the way. Also, it seems to me that you are gearing up to bring a court claim – which is fine, in my book – but you haven't identified your cause or causes of action and you don't have a plan.
I think we need to slow down and have a more careful and methodical look at the situation. Otherwise you're simply going to find yourself in trouble

Late to this, sorry - my wife claims contributory ESA and got her P60 about two weeks ago. Now I know she's overpaid on her tax and I'm just waiting for HMRC (the department I currently work for) to figure it out. They owe her about £150.

2. the debt was pursuant to a regulated agreement(s) between the defendant and the student loans compnay limited Each agreement had individual account number as follows (they are then listed)

3. the defendant failed to make payments as per the terms resulting in the agreements being terminated. notice of such is served by a default or termination notice subject to the terms of the agreement( s)

4. the debt was assigned to the claimant on 22/11/2013 with a notice provided to the defendant A new master reference number (number quoted) was also applied upon assignment.

5 the claimant has complied with the pre-action protocol for debt claims

What is the total value of the claim? £9725

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?i don't know. i got a letter dated 3 June from drydens saying a county court claim has been issued.

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? yes and no I have moved but stil get post from address claim went to

Did you inform the claimant of your change of address? no

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? SLC Loans

When did you enter into the original agreement before or after April 2007 ? before

Do you recall how you entered into the agreement...On line /In branch/By post ? n/a

no need to sign anything
.
you DO NOT await the return of paperwork.
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

as the debt is statute barred

there is no harm filing our sb defence as well.

The following defence is all you need if it is SB

1 The Claimant's claim was issued on (insert date).

2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.
.
If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.
.
3 The Claimant's claim to be entitled to payment of £[insert figure from their POC] or any other sum, or relief of any kind is denied.
..
..ends..

please don't hit Quote...just type we know what we said earlier..

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

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Sorry to come back with stupid questions, I found this post about filing a SB defence. Is this suitable for me to use ?

1 The Claimant's claim was issued on (insert date).

2 The Defendant contends that the Claimant's claim so issued is a claim in contract and isstatute barredpursuant to the provisions of section 5 of thelimitation act1980.

If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.

3 The Claimant's claim to be entitled to payment of £[insert figure from theirPOC] or any other sum, or relief of any kind is denied.

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Ok thanks so this is weird they sent the claim to my mum but the address when do defence is my current address. All done now although I am scared I have totally messed up. I just Copied and pasted the SB defence did not put anything else.

I guess now I just wait. Thank you for all the help.

You did enter the amount and dates ?

We could do with some help from you.

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